In this paper, we investigate the fast signal diffusion limit of solutions of the fully parabolic Keller–Segel–Stokes system to solution of the parabolic–elliptic-fluid counterpart in a two-dimensional or three-dimensional bounded domain with smooth boundary. Under the natural volume-filling assumption, we establish an algebraic convergence rate of the fast signal diffusion limit for general large initial data by developing a series of subtle bootstrap arguments for combinational functionals and using some maximal regularities. In our current setting, in particular, we can remove the restriction to asserting convergence only along some subsequence in Wang–Winkler and the second author (Cal. Var., 2019).